Credit Manager-Working Capital-Credit - #961962

Role
Credit Appraisal
· Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
· Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training
· Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation
Stock on Hire: Increase in volume of business
· Ensure that SOH increases(pl confirm if this applies to CM role )
NPA trend
· Analyze the NPA trend like area, industry, sector etc.
· Interact with Customers & understand the business and regularly monitor delinquencies / infants.
Infant loan which is less than 12 months NPA
· Ensure qualitative portfolio
· Ensure that there is no infant 12 months NPA

Daily tasks:
· Daily accessing the loan file
· Daily case discussion with Sales team
· Preparing credit underwriting for the cases assigned
· Personal discussion calls with customer financials & banking
· Decision making with predefined TAT
· Tele-verification calls to the customer